Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Jul 14, 2021

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In a nutshell...

  • Auto insurance rates for SR-22 coverage vary according to many factors
  • There are many auto insurance companies who offer coverage to drivers with an SR22 requirement
  • Various states require SR-22’s for different infractions

SR-22 auto insurance is the term used for a document given to the Department of Motor Vehicles in some states to prove that a driver is covered by minimum liability insurance.

Regardless of the meaning of the term, it has become a generic form name signaling the requirement of a state for a driver who has something on his or her record requiring proof of insurance.

While each state’s requirements are slightly different, states generally require SR-22’s following DUI convictions or accidents in which the driver is uninsured.

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What does the SR 22 form filing requirement mean to auto insurance companies?

If you have received notice from your state that you are required to file an SR-22, you should understand that it means that you are now classified as a “high-risk” driver, and your automobile insurance rates will most likely be affected.

If you have been convicted of DUI and are eligible for a restricted license, you will have to enroll in a driver’s education course, pay your fines, including any DMV charges, and provide proof of financial responsibility.

When companies refer to “SR-22” insurance, what they are saying is that they will cover you with an addendum to your policy, and you can file the proper form with the state.

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How do auto insurance companies handle drivers with an SR22 requirement?

Your auto insurance company at the time of your conviction may handle the situation in one of two ways. First, the company may elect to cancel your coverage.

It is the right of any auto insurance company to do this if you are classified as a high-risk driver. However, many companies will offer to continue your coverage at a higher rate.

Many major insurance companies which will write SR-22 policies in some states. Many companies also have specific requirements for drivers who are required to carry SR-22’s and may not insure all such drivers.

What is a non-owners auto insurance policy?

Another type of policy available is called a non-owner auto insurance policy. Some people who are convicted of various traffic offenses may elect to sell their vehicles, or the cars may have been wrecked in the accident.

However, the drivers may wish to retain driving privileges, so that they can continue to operate a vehicle. These drivers may rent cars or drive a friend’s car on occasion.

The SR-22 must still be filed with the state, however, and it is the driver’s responsibility to meet any additional requirements for retaining a driver’s license.

How much is auto insurance with an SR22 requirement?

Auto insurance rates for SR-22 coverage vary according to many factors.

Generally, if you have a good driving record up to the time of your conviction, and if you maintain a good driving record afterward, you will have lower rates than a driver who has many opinions.

The good news is that SR-22 requirements are not forever. While the number of years varies from state to state, three years is the average time a driver is required to file an SR-22.

If during those three years, the driver maintains a safe record with no moving violations and is current on auto insurance premiums, the SR-22 requirements will often be lifted.

More importantly, most states will suspend or revoke your restricted license upon the first traffic infraction. If you do not have a permit, you cannot legally drive no matter what your insurance status is.

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